Long Term Care Insurance — Advice

"Choosing a long-term care plan is about more than just insurance; it’s about ensuring you have control over your future. Traditional Medicare generally does not cover long-term custodial care, which can cost thousands per month. By planning now—ideally between ages 55 and 65—you can lock in more affordable rates and ensure that your care needs won't become a financial or emotional burden on your family. Whether you prefer care at home or in an assisted living facility, having a dedicated plan protects your hard-earned savings and gives you the freedom to choose your environment." APPENDIX B Long Term Care Insurance Personal Worksheet